Creating Direct Charges

    With Connect, you can make charges directly on the connected account and take fees in the process.

    Connect supports three approaches for processing charges on behalf of the connected account. When using Standard accounts, the recommended route is to create direct charges on the connected account. Using this approach, the connected account is responsible for the cost of the Stripe fees, refunds, and chargebacks.

    For some users of Express and Custom accounts, it may also be preferable to create direct charges on the connected account. In that case, although the connected account is initially responsible for Stripe fees, refunds, and chargebacks, your platform account does have the ultimate responsibility to cover any losses.

    Creating direct charges on the connected account is particularly appropriate for platforms that enable e-commerce for its users. An end customer is purchasing from an individual business, not the platform, and the business can easily see their own sales in their Stripe Dashboard.

    To directly charge on the connected account, perform a standard create charge request using your platform’s secret key while authenticated as the connected account:

    curl https://api.stripe.com/v1/charges \
       -u sk_test_BQokikJOvBiI2HlWgH4olfQ2: \
       -d amount=1000 \
       -d currency=usd \
       -d source=tok_visa \
       -H "Stripe-Account: {CONNECTED_STRIPE_ACCOUNT_ID}"
    
    # Set your secret key: remember to change this to your live secret key in production
    # See your keys here: https://dashboard.stripe.com/account/apikeys
    Stripe.api_key = "sk_test_BQokikJOvBiI2HlWgH4olfQ2"
    
    charge = Stripe::Charge.create({
      :amount => 1000,
      :currency => "usd",
      :source => "tok_visa",
    }, :stripe_account => "{CONNECTED_STRIPE_ACCOUNT_ID}")
    
    # Set your secret key: remember to change this to your live secret key in production
    # See your keys here: https://dashboard.stripe.com/account/apikeys
    stripe.api_key = "sk_test_BQokikJOvBiI2HlWgH4olfQ2"
    
    charge = stripe.Charge.create(
      amount=1000,
      currency="usd",
      source="tok_visa",
      stripe_account="{CONNECTED_STRIPE_ACCOUNT_ID}",
    )
    
    // Set your secret key: remember to change this to your live secret key in production
    // See your keys here: https://dashboard.stripe.com/account/apikeys
    \Stripe\Stripe::setApiKey("sk_test_BQokikJOvBiI2HlWgH4olfQ2");
    
    $charge = \Stripe\Charge::create(array(
      "amount" => 1000,
      "currency" => "usd",
      "source" => "tok_visa",
    ), array("stripe_account" => "{CONNECTED_STRIPE_ACCOUNT_ID}"));
    
    // Set your secret key: remember to change this to your live secret key in production
    // See your keys here: https://dashboard.stripe.com/account/apikeys
    Stripe.apiKey = "sk_test_BQokikJOvBiI2HlWgH4olfQ2";
    
    Map<String, Object> params = new HashMap<String, Object>();
    params.put("amount", 1000);
    params.put("currency", "usd");
    params.put("source", "tok_visa");
    
    RequestOptions requestOptions = RequestOptions.builder().setStripeAccount({CONNECTED_STRIPE_ACCOUNT_ID}).build();
    Charge charge = Charge.create(params, requestOptions);
    
    // Set your secret key: remember to change this to your live secret key in production
    // See your keys here: https://dashboard.stripe.com/account/apikeys
    var stripe = require("stripe")("sk_test_BQokikJOvBiI2HlWgH4olfQ2");
    
    stripe.charges.create({
      amount: 1000,
      currency: "usd",
      source: "tok_visa",
    }, {
      stripe_account: "{CONNECTED_STRIPE_ACCOUNT_ID}",
    }).then(function(charge) {
      // asynchronously called
    });
    
    // Set your secret key: remember to change this to your live secret key in production
    // See your keys here: https://dashboard.stripe.com/account/apikeys
    stripe.Key = "sk_test_BQokikJOvBiI2HlWgH4olfQ2"
    
    params := &stripe.ChargeParams{
      Amount: 1000,
      Currency: "usd",
    }
    params.SetStripeAccount("{CONNECTED_STRIPE_ACCOUNT_ID}")
    params.SetSource("tok_visa")
    
    charge, err := charge.New(params)
    

    The example uses a test tokentok_visa—but you could tokenize a test card using Stripe.js and Elements or Stripe Checkout instead.

    When directly charging on the connected account, you can provide a token created using either your platform’s or the connected account’s publishable key. (You can also use a shared customer to create a token.)

    Charges created directly on the connected account are only reported on that account; they aren’t shown in your platform’s Dashboard, exports, or other reporting, although you can always retrieve this information via the API.

    Collecting application fees

    With Connect, your platform can take an application fee on direct charges and subscriptions. To assess an application fee on a charge, pass an optional application_fee value as a positive integer:

    curl https://api.stripe.com/v1/charges \
       -u sk_test_BQokikJOvBiI2HlWgH4olfQ2: \
       -d amount=1000 \
       -d currency=usd \
       -d source=tok_visa \
       -d application_fee=123 \
       -H "Stripe-Account: {CONNECTED_STRIPE_ACCOUNT_ID}"
    
    # Set your secret key: remember to change this to your live secret key in production
    # See your keys here: https://dashboard.stripe.com/account/apikeys
    Stripe.api_key = "sk_test_BQokikJOvBiI2HlWgH4olfQ2"
    
    charge = Stripe::Charge.create({
      :amount => 1000,
      :currency => "usd",
      :source => "tok_visa",
      :application_fee => 123,
    }, :stripe_account => "{CONNECTED_STRIPE_ACCOUNT_ID}")
    
    # Set your secret key: remember to change this to your live secret key in production
    # See your keys here: https://dashboard.stripe.com/account/apikeys
    stripe.api_key = "sk_test_BQokikJOvBiI2HlWgH4olfQ2"
    
    charge = stripe.Charge.create(
      amount=1000,
      currency="usd",
      source="tok_visa",
      application_fee=123,
      stripe_account="{CONNECTED_STRIPE_ACCOUNT_ID}",
    )
    
    // Set your secret key: remember to change this to your live secret key in production
    // See your keys here: https://dashboard.stripe.com/account/apikeys
    \Stripe\Stripe::setApiKey("sk_test_BQokikJOvBiI2HlWgH4olfQ2");
    
    $charge = \Stripe\Charge::create(array(
      "amount" => 1000,
      "currency" => "usd",
      "source" => "tok_visa",
      "application_fee" => 123,
    ), array("stripe_account" => "{CONNECTED_STRIPE_ACCOUNT_ID}"));
    
    // Set your secret key: remember to change this to your live secret key in production
    // See your keys here: https://dashboard.stripe.com/account/apikeys
    Stripe.apiKey = "sk_test_BQokikJOvBiI2HlWgH4olfQ2";
    
    Map<String, Object> params = new HashMap<String, Object>();
    params.put("amount", 1000);
    params.put("currency", "usd");
    params.put("source", "tok_visa");
    params.put("application_fee", 123);
    
    RequestOptions requestOptions = RequestOptions.builder().setStripeAccount({CONNECTED_STRIPE_ACCOUNT_ID}).build();
    Charge charge = Charge.create(params, requestOptions);
    
    // Set your secret key: remember to change this to your live secret key in production
    // See your keys here: https://dashboard.stripe.com/account/apikeys
    var stripe = require("stripe")("sk_test_BQokikJOvBiI2HlWgH4olfQ2");
    
    stripe.charges.create({
      amount: 1000,
      currency: "usd",
      source: "tok_visa",
      application_fee: 123,
    }, {
      stripe_account: "{CONNECTED_STRIPE_ACCOUNT_ID}",
    }).then(function(charge) {
      // asynchronously called
    });
    
    // Set your secret key: remember to change this to your live secret key in production
    // See your keys here: https://dashboard.stripe.com/account/apikeys
    stripe.Key = "sk_test_BQokikJOvBiI2HlWgH4olfQ2"
    
    params := &stripe.ChargeParams{
      Amount: 1000,
      Currency: "usd",
      Fee: 123,
    }
    params.SetStripeAccount("{CONNECTED_STRIPE_ACCOUNT_ID}")
    params.SetSource("tok_visa")
    
    charge, err := charge.New(params)
    

    There are three things to note about application fees:

    • The application_fee is capped at the total transaction amount minus any Stripe fees
    • There are no additional Stripe fees on the application fee itself
    • The currency for the application_fee depends upon a few multiple currency factors

    The resulting charge’s balance transaction includes a detailed fee breakdown of both the Stripe and application fees.

    Earned application fees are added to your available account balance on the same schedule as funds from regular Stripe charges. Application fees are viewable in the Collected Fees section of the Dashboard.

    Flow of funds with fees

    When you specify an application fee on a charge, the fee amount is transferred to your platform’s Stripe account. When processing a charge directly on the connected account, the charge amount—less the Stripe fees and application fee—is deposited into the connected account. For example, if a charge of $10 with a $1.23 application fee is made (as in the example above), $1.23 is transferred to your platform account, and $8.18 ($10 - $0.59 - $1.23) is netted in the connected account (assuming standard U.S. Stripe fees).

    If you process payments in multiple currencies, you should also read how that is handled in Connect.

    Issuing refunds

    Just as platforms can create charges on connected accounts, they can also create refunds of charges on connected accounts. To refund a charge on a connected account, perform a standard create refund request using your platform’s secret key while authenticated as the connected account.

    Application fees are not automatically refunded when issuing a refund. Your platform must explicitly refund the application fee or the connected user—the account on which the charge was created—loses that amount.

    You can refund an application fee by passing a refund_application_fee value of true in the refund request:

    curl https://api.stripe.com/v1/refunds \
       -u sk_test_BQokikJOvBiI2HlWgH4olfQ2: \
       -d charge="{CHARGE_ID}" \
       -d refund_application_fee=true \
       -H "Stripe-Account: {CONNECTED_STRIPE_ACCOUNT_ID}"
    
    # Set your secret key: remember to change this to your live secret key in production
    # See your keys here: https://dashboard.stripe.com/account/apikeys
    Stripe.api_key = "sk_test_BQokikJOvBiI2HlWgH4olfQ2"
    
    refund = Stripe::Refund.create({
      :charge => "{CHARGE_ID}",
      :refund_application_fee => true,
    }, :stripe_account => "{CONNECTED_STRIPE_ACCOUNT_ID}")
    
    # Set your secret key: remember to change this to your live secret key in production
    # See your keys here: https://dashboard.stripe.com/account/apikeys
    stripe.api_key = "sk_test_BQokikJOvBiI2HlWgH4olfQ2"
    
    refund = stripe.Refund.create(
      charge="{CHARGE_ID}",
      refund_application_fee=True,
      stripe_account="{CONNECTED_STRIPE_ACCOUNT_ID}",
    )
    // Set your secret key: remember to change this to your live secret key in production
    // See your keys here: https://dashboard.stripe.com/account/apikeys
    \Stripe\Stripe::setApiKey("sk_test_BQokikJOvBiI2HlWgH4olfQ2");
    
    $refund = \Stripe\Refund::create(array(
      "charge" => "{CHARGE_ID}",
      "refund_application_fee" => true,
    ), array("stripe_account" => "{CONNECTED_STRIPE_ACCOUNT_ID}"));
    
    // Set your secret key: remember to change this to your live secret key in production
    // See your keys here: https://dashboard.stripe.com/account/apikeys
    Stripe.apiKey = "sk_test_BQokikJOvBiI2HlWgH4olfQ2";
    
    Map<String, Object> params = new HashMap<String, Object>();
    params.put("charge", "{CHARGE_ID}");
    params.put("refund_application_fee", true);
    
    RequestOptions requestOptions = RequestOptions.builder().setStripeAccount({CONNECTED_STRIPE_ACCOUNT_ID}).build();
    Refund refund = Refund.create(params, requestOptions);
    
    // Set your secret key: remember to change this to your live secret key in production
    // See your keys here: https://dashboard.stripe.com/account/apikeys
    var stripe = require("stripe")("sk_test_BQokikJOvBiI2HlWgH4olfQ2");
    
    stripe.refunds.create({
      charge: "{CHARGE_ID}",
      refund_application_fee: true,
    }, {
      stripe_account: "{CONNECTED_STRIPE_ACCOUNT_ID}",
    }).then(function(refund) {
      // asynchronously called
    });
    
    // Set your secret key: remember to change this to your live secret key in production
    // See your keys here: https://dashboard.stripe.com/account/apikeys
    stripe.Key = "sk_test_BQokikJOvBiI2HlWgH4olfQ2"
    
    params := &stripe.RefundParams{
      Charge: "{CHARGE_ID}",
      Fee: true,
    }
    params.SetStripeAccount("{CONNECTED_STRIPE_ACCOUNT_ID}")
    refund, err := refund.New(params)
    

    By default, the entire charge is refunded, but you can create a partial refund by setting an amount value as a positive integer.

    If the refund results in the entire charge being refunded, the entire application fee is refunded. Otherwise, a proportional amount of the application fee is refunded.

    Alternatively, you can provide a refund_application_fee value of false and refund the application fee separately through the API.

    Further reading

    Discover what other Connect functionality is available.